Trucking bookkeeping and taxes for owner-operators

What makes trucking books different.

Your one-page P&L shows fuel, repairs, insurance and payments against miles run, so a bad month of lanes is obvious while you can still change it.

Factored invoices pay out net of fees and reserves. We match each payout back to the load, so revenue and factoring costs are both on the books.

Equipment is your biggest purchase. We plan the depreciation on your return so a new truck lowers your taxes in the year it helps most.

We apply the per diem rules for drivers away from home, and keep the records that support them.

Heartbeat bookkeeping: books closed monthly, one-page P&L, 15-minute review call$150/month
Tax returns: business, owner, and sales tax filings$800 to $2,000/year
Everything: books, returns, and payroll for up to 10 employees$2,500 to $3,000/year

Heartbeat adds $300 one-time onboarding and has no contract. Payroll on its own and new business setup are quoted by phone or email. Full pricing.

Should my trucking business be an S corp?

Often, once profit is steady. Call us and we'll run the numbers. If it makes sense, we form the company and handle the election.

Do you work with factoring companies?

Yes. We reconcile factoring statements to your loads and bank deposits every month.

Can you run payroll for my drivers?

Yes, for up to 10 employees: checks, payroll tax deposits and quarterly filings.

Do you file 1099s for owner-operators I pay?

Yes. We collect the W-9s, track what you pay each contractor through the year, and file the 1099s in January.

Do you work with carriers outside Pennsylvania?

Yes. We're based in Philadelphia and work with trucking businesses anywhere in the US by phone, video and a secure portal.

Bring a bank statement, a merchant statement, or last year’s return. If we’re not the right fit, we’ll say so.